OFG Bancorp

OFG Bancorp ROCE

The Return on Capital Employed (ROCE) of OFG Bancorp (OFG) as of Oct 22, 2026 is 19.14 %. In the previous year, Return on Capital Employed (ROCE) was 20.23 % — a change of -5.40% (lower).

ROCE

19.14 %

YoY

-5.40%

Last updated:

In 2025, OFG Bancorp's return on capital employed (ROCE) was 19.14 %, a -5.40% increase from the 20.23 % ROCE in the previous year.

The OFG Bancorp ROCE history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROCE
Date
ROCE
Jan 1, 2018
13.28 USD
Jan 1, 2019
0.82 USD
Jan 1, 2020
8.73 USD
Jan 1, 2021
20.07 USD
Jan 1, 2022
23.42 USD
Jan 1, 2023
22.22 USD
Jan 1, 2024
20.23 USD
Jan 1, 2025
19.14 USD
The OFG Bancorp ROCE history
YEARROCEYoY
19.14 %-5.40%
20.23 %-8.98%
22.22 %-5.09%
23.42 %+16.67%
20.07 %+129.87%
8.73 %+960.86%
0.82 %-93.80%
13.28 %+84.36%
7.20 %-22.15%
9.25 %-513.90%
-2.24 %-117.21%
12.99 %—

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OFG Bancorp Stock analysis

What does OFG Bancorp do? OFG Bancorp is a financial services company based in San Juan, Puerto Rico. The company has a long history dating back to 1964 when it was founded as Oriental Financial Group. Over the years, OFG Bancorp has conducted a number of mergers and acquisitions and is now the holding company for a range of subsidiary companies that focus on various areas of the financial services business. The company is divided into five main areas: retail banking, commercial banking, wealth management, treasury management, and mortgage banking. Each area offers a range of products and services to respond to customer needs. Retail banking: OFG's retail banking focuses on personal accounts, loans, and credit cards. The company operates over 50 branches and ATMs in Puerto Rico and also has a presence in Florida. Products offered include credit and debit cards, mortgages, auto loans, personal loans, and savings accounts. Commercial banking: OFG Bancorp also provides banking services to small and medium-sized businesses. This includes deposit accounts, loans, leasing financing, and treasury management services. OFG's commercial banking is divided into several areas, including real estate, consumer products, healthcare, and government. Wealth management: OFG's wealth management offers a range of financial services to affluent private and business clients. This includes investment advice, portfolio management, retirement and estate planning, and tax planning. These services are provided by a team of experienced financial advisors and investment experts who work closely with clients to ensure their needs are met. Treasury management: OFG's treasury management focuses on companies and institutions that require complex financial management and payment solutions. This includes cash management solutions, payment processing, electronic invoicing, and trade financing. OFG also offers customized solutions tailored to their specific requirements. Mortgage banking: OFG's mortgage banking specializes in mortgage financing in the United States and operates a large network of lenders and brokers. The company offers a wide range of mortgage products including fixed and variable interest rates, FHA and VA loans, and jumbo mortgages. OFG Mortgage also focuses on US overseas territories. Overall, OFG Bancorp is a diverse financial services company that caters to a wide range of customers and needs. The company is committed to continuously evolving and adapting its products and services to meet the changing needs of its customers. OFG Bancorp is one of the most popular companies on Eulerpool.

ROCE Details

Unraveling OFG Bancorp's Return on Capital Employed (ROCE)

OFG Bancorp's Return on Capital Employed (ROCE) is a financial metric that measures the company's profitability and efficiency with respect to the capital employed. It is calculated by dividing earnings before interest and tax (EBIT) by the employed capital. A higher ROCE indicates that the company is effectively utilizing its capital to generate profits.

Year-to-Year Comparison

Analyzing OFG Bancorp's ROCE annually provides valuable insights into its efficiency in using its capital to generate profits. An increasing ROCE indicates improved profitability and operational efficiency, whereas a decrease might signal potential issues in capital utilization or business operations.

Impact on Investments

OFG Bancorp's ROCE is a critical factor for investors and analysts for evaluating the company’s efficiency and profitability. A higher ROCE can make the company an attractive investment, as it often signifies that the firm is generating adequate profits from its employed capital.

Interpreting ROCE Fluctuations

Changes in OFG Bancorp’s ROCE are attributed to variations in EBIT or the capital employed. These fluctuations offer insights into the company’s operational efficiency, financial performance, and strategic financial management, assisting investors in making informed investment decisions.

Frequently Asked Questions about OFG Bancorp stock

Return on Capital Employed (ROCE) of OFG Bancorp is 19.14 % in 2025.

Return on Capital Employed (ROCE) of OFG Bancorp changed from 20.23 % to 19.14 %, representing a -5.40% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Return on Capital Employed (ROCE) OFG Bancorp since 2006 – with annual values, charts, and detailed analysis.

ROCE is a profitability measure and stands for Return on Capital Employed or the return on invested capital. The measure shows the ratio of operating profit to the interest-bearing capital employed. The higher the return on capital employed, the more profitable a company operates and the higher the important free cash flow. The free cash flow refers to the portion of profits that is not needed for expanding the company at the end of a period, but is available to shareholders.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Capital Employed (ROCE)'s OFG Bancorp with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Capital Employed (ROCE)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Capital Employed (ROCE).

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Profitability — OFG Bancorp

All Key Metrics — OFG Bancorp